Updated September 30, 2026 · BorrowCue Editorial Team
Lendela vs Vivus
Where Lendela and Vivus differ
| Compare |  Lendela |  Vivus |
|---|---|---|
| APR | up to 48% | 44.5% |
| Loan amount | SGD 1,000 to SGD 200,000 | €50 to €10,000 |
| Term | 3 to 72 monthsHigher | 3 to 60 months |
| Arrangement fee | SGD 0 | 0 EUR (credit line disbursement fee) |
| Credit check | None | Hard |
| Funding time | Around 1-2 days from application to disbursement; some within hours | Within 5 minutes of approval; same day if the bank is in the instant payment system and the request is before 16:00 on a working day, otherwise next working day |
| Representative example | Personal loan: $20,000 at APR 6.95% over 5 years, total payable $26,940, monthly cost $449 | Borrowing 300 EUR for 3 months: interest payment 18.87 EUR, loan rate 37.37%, APR (GPL) 44.50%, total repayable 318.87 EUR |
| Lender type | Marketplace | Direct lender |
| Eligibility | Age 21 or older; Singapore citizen or PR (foreigners also considered, higher income threshold); min annual income SGD 20,000-30,000 citizens/PR | Permanent residents of the Republic of Latvia aged 18-75 with a Latvian personal code, no overdue payments or debts, sufficient regular income, plus a valid mobile number, email and bank account. |
| Loan types | Personal, Debt consolidation, Business, Secured, Student | Personal, Payday, Car |
| Credit needed | Fair | Good |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Not confirmed | Yes |
| Origination fee (%) | Not confirmed | 0% |
Same on both: Use cases (Home improvement).
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Key differences
- Vivus scores higher overall: 9.0 vs 8.5.
- Founded is lower at Vivus: 2008 vs 2018.
- Lendela is available in 1 more country.
- Term is higher at Lendela: 3 to 72 months vs 3 to 60 months.
- Support channels: only Vivus offers Chat.
- Loan types: only Lendela offers Debt consolidation, Business, Secured.
- Loan types: only Vivus offers Payday, Car.
Our verdict on each
Lendela
Lendela suits Singapore borrowers who want a fast loan without a credit check. The marketplace matches amounts of SGD 1,000 to SGD 200,000 over terms of 3 to 72, with an APR of up to 48% set by the lender you are matched to.
Vivus
Vivus suits Latvian residents with a good credit file who need money for a home improvement quickly. It is a fast, fixed rate lender with free early repayment, but the headline rate of 44.5% is the price tag that puts it behind cheaper lenders.
Score breakdown
| Area | Lendela | Vivus |
|---|---|---|
| Cost | Not confirmed | 9.0APR of 44.5% sits far above the site median of 12%, though the credit line disbursement fee is 0 EUR (credit line disbursement fee). |
| Offer | 8.9Fees are SGD 0 to arrange a personal loan and SGD 0 on the mortgage side. | 8.9 |
| Trust | 8.2 | 9.1Higher |
Choosing between them
Pick Lendela if term matter most.
Pick Vivus if trust matter most.
From lowest to highest
| Fact | Lendela | Vivus |
|---|---|---|
| Term | 3 to 72 months | 3 to 60 months |
Licences and countries
| Country | Lendela | Vivus |
|---|---|---|
| Latvia | Not confirmed |
Additional countries for Lendela: 2. Additional countries for Vivus: 1.
A third option
Sofkredit has term at 6 to 240 months, against 3 to 72 months for Lendela and 3 to 60 months for Vivus.
Sofkredit reviewHow they place
| Ranking | Lendela | Vivus |
|---|---|---|
| Personal loans | 74 of 1932 | 24 of 1932 |
| Lines of credit | 10 of 328 | 2 of 328 |
| Home improvement loans | 31 of 562 | 11 of 562 |
Every fact side by side
| Fact | Lendela | Vivus |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding, Credit line | Same day funding, Credit line |
| Legal entity | Lendela Pte. Ltd. | SIA "Credit Solutions" (reg. 40103982111) |
| Headquarters | Singapore | Latvia |
| Founded | 2018 | 2008Lower |
| Support channels | Email, Phone, Help centre | Chat, Phone, Email, Help centreCovers more |
Mortgages
| Fact | Lendela | Vivus |
|---|---|---|
| Initial rate | 2.4% | Not confirmed |
| Product fee | SGD 0 | Not confirmed |
| Purpose | Purchase, Remortgage | Not confirmed |
Where each stands against the rest
| Fact | Lendela | Vivus | Median |
|---|---|---|---|
| APR | up to 48%highest quarter | 44.5%highest quarter | 8.99 |
| Term | 3 to 72 monthsabove the median | 3 to 60 monthsat the median | 60 |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Lendela
Pros
- No credit check at all, and a fair credit profile is enough to apply.
- The range covers personal, debt consolidation and business lending under one roof.
- Funding is quick, with disbursement within hours on some applications.
Cons
- A marketplace model (marketplace) means the matched lender sets the rate, so up to 48% is a ceiling.
- That ceiling is steep next to 10% to 23% at Monzo Flex.
- Support runs on email, phone and help centre, with no live chat listed.
Vivus
Pros
- Free early repayment, so a borrower who finishes ahead of schedule is not penalised for it
- Repayments are fixed under fixed on a fixed rate basis, so the monthly figure holds for the whole term
- A revolving credit line sits under same day funding and credit line and its percentage fee is 0%, so drawing and repaying the line adds nothing extra
Cons
- The annual percentage rate of 44.5% sits well above the 12% median across the site and well above 10% to 23% at Monzo Flex
- A hard credit check with a good credit requirement narrows who gets an offer, and eligibility also rules out anyone with overdue payments or debts
- The products listed are personal, payday and car, so there is no stated route for consolidating other debts into one payment
Who each suits
Lendela
Who it suits
- Singapore citizens and permanent residents with a steady income who need money quickly.
- Borrowers with fair credit, or who would rather avoid a credit check altogether.
- Anyone funding home improvement work, its named use case: home improvement.
Who should look elsewhere
- Not for lowest rate seekers: Monzo Flex runs at 10% to 23%.
- Not for shoppers after a cost free product: Cashspace ES lists 0%.
- Not for borrowers outside Singapore: Cashspace serves the Philippines at PHP 12 to PHP 36.
Vivus
Who it suits
- Latvian residents with a steady income and a good credit file who need a modest sum quickly and can clear it early
- Borrowers funding a home improvement who want one fixed repayment and a revolving line to draw on as costs build up
- Readers who value a direct lender relationship and phone support more than the lowest headline rate
Who should look elsewhere
- Not for anyone shopping on rate alone, since Monzo Flex quotes 10% to 23% against the 44.5% on this lender
- Not for a like for like price comparison with Cashspace, where PHP 12 to PHP 36 is quoted in another currency
- Not for applicants with a thin credit record, because a hard check and a good requirement set a firm bar
Current offers
Vivus
Current offer
Bonus
Cancelled fee for expedited disbursement: 0 EUR (fee for accelerated payout cancelled/waived)
Shown site-wide next to the client profile login; disbursement fee for the credit line is 0 EUR
Source, checked September 26, 2026
Country by country
| Country | Lendela | Vivus |
|---|---|---|
| Hong Kong | Yes | No |
| Latvia | No | Yes |
| Singapore | Yes | No |
Questions about each
Lendela
What APR does Lendela charge?+
The published APR runs to up to 48% on personal loans, and that figure is a ceiling rather than a rate every borrower pays. Because Lendela is a marketplace, the rate depends on the matched lender and on your own credit standing.
Are there fees to arrange a loan?+
The origination fee on personal loans is SGD 0, and the product fee on the mortgage side is SGD 0, so arranging a facility itself costs little. Interest remains the main price of the money, and the representative example shows how instalments add up.
Vivus
What rate do I pay on a Vivus loan?+
The headline annual percentage rate is 44.5%, and the representative example published for the lender quotes the same figure alongside the interest payment and the total repayable on a short loan. The rate is fixed under fixed, so the figure is set for the whole term rather than adjusted as market rates move.
Are there arrangement or disbursement fees?+
The credit line disbursement fee is 0 EUR (credit line disbursement fee) and the matching percentage fee is 0%, so the line itself carries nothing extra to open or draw. What costs money is the interest, and the representative example sets out a loan rate and an annual percentage rate of 44.5% next to the total repayable.
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